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The Tools and Information needed to

Learn About Your Retirement Accounts

Looking for simplified answers to questions about your IRAs, Roth IRAs and 401(k)s?

You’ll find them here.

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The Top 3 Rules You Must Know
Before Doing any Transactions with Your Retirement Accounts

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Distributions + Roth Conversions

Early Distribution + RMD + Roth Accounts

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Beneficiary Options

Spouse beneficiary + nonspouse + nonperson

The Cost of Mistakes

Know
The
Risks

10% Penalty

Exceptions

The early distribution penalty that applies to distributions taken before you reach age 59 ½ . Know the exceptions.

6% Excise Tax

Ineligible contributions

The cost of exceeding your contribution limits. 6% excise per year unless properly corrected.

RMD excise tax

Owners and Beneficiaries

The cost of not taking required distributions by the applicable deadline.

Term Of The Day

Definition More than one standardized plans maintained by the same employer ( plan sponsor), so as to coordinate certain provisions. For instance, a plan sponsor would pair a money purchase pension plan and a profit sharing plan to get the following benefits: The ability to deduct up to the maximum of 25% of compensation, which is permitted under a money purchase pension plan, but until  plan years that began 01/01/2002, was limited to 15% under a profit sharing plan The flexibility of …

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IRA Rules
Change